Whether the wife is obligated to repay the husband's credit card debt depends on different circumstances, as follows:

1. If the credit card debt is used for the family's daily life , and *** operate together, then this is a joint debt between husband and wife, and both husband and wife are jointly responsible for repayment;

2. If the credit card debt is used for one party’s personal expenses, or to engage in illegal activities , such as gambling, loan sharking, etc., the other party does not have to bear the responsibility for repayment.

Which debts are debts shared by husband and wife?

Debts shared by husband and wife are as follows:

1. Family living together Debts incurred;

2. Debts incurred due to production and business operations;

3. Debts incurred due to medical expenses;

4. Debts borne to fulfill the obligations of support and support;

5. Debts borne to pay for children’s education and training expenses;

6. Debts stipulated in the husband-wife agreement as the same debt of debt.

Legal basis: Article 1064 of the "People's Republic of China and Civil Code"

Both husband and wife ***same signature or one spouse ratifies it later, etc.** *The debts borne by the same person, as well as the debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, are the joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.